Cadillac CTS Insurance Rates
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UPDATED: May 23, 2024
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How much is insurance on a Cadillac CTS compared to other vehicles? Cadillac CTS insurance rates average $1,510 a year, or $125 a month. While the Cadillac average price of insurance may vary slightly by model year, such as 2005 versus 2006 CTS insurance costs, the rates should be around $1,510.
To start saving on the insurance cost of a Cadillac CTS in your area, enter your ZIP code in our free rate comparison tool above.
Average insurance rates for a Cadillac CTS are $1,404 a year with full coverage. Comprehensive costs approximately $270 each year, collision costs $524, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing around $3,056. Teen drivers receive the highest rates at $5,338 a year or more.
Average premium for full coverage: $1,404
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and CTS models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $504 for liability-only coverage to a high rate of $3,056 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance prices.
These examples demonstrate why all drivers should compare prices using their specific location, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below details estimated Cadillac CTS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $802
- Using higher $1,000 deductibles will save $180 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,404
- Choosing low deductibles for physical damage coverage bumps up the cost to $1,756
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,056 or more
- The cost that insures a 16-year-old driver can cost $5,338 or more
Insurance rates for a Cadillac CTS can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can be from 43% to 135% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
Where you live has a huge impact on Cadillac CTS insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,270 | -$134 | -9.5% |
| Alaska | $1,078 | -$326 | -23.2% |
| Arizona | $1,164 | -$240 | -17.1% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,600 | $196 | 14.0% |
| Colorado | $1,340 | -$64 | -4.6% |
| Connecticut | $1,444 | $40 | 2.8% |
| Delaware | $1,588 | $184 | 13.1% |
| Florida | $1,756 | $352 | 25.1% |
| Georgia | $1,296 | -$108 | -7.7% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $950 | -$454 | -32.3% |
| Illinois | $1,046 | -$358 | -25.5% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $946 | -$458 | -32.6% |
| Kansas | $1,334 | -$70 | -5.0% |
| Kentucky | $1,916 | $512 | 36.5% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $866 | -$538 | -38.3% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,440 | $1,036 | 73.8% |
| Minnesota | $1,174 | -$230 | -16.4% |
| Mississippi | $1,682 | $278 | 19.8% |
| Missouri | $1,246 | -$158 | -11.3% |
| Montana | $1,508 | $104 | 7.4% |
| Nebraska | $1,108 | -$296 | -21.1% |
| Nevada | $1,684 | $280 | 19.9% |
| New Hampshire | $1,012 | -$392 | -27.9% |
| New Jersey | $1,570 | $166 | 11.8% |
| New Mexico | $1,244 | -$160 | -11.4% |
| New York | $1,478 | $74 | 5.3% |
| North Carolina | $810 | -$594 | -42.3% |
| North Dakota | $1,150 | -$254 | -18.1% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,442 | $38 | 2.7% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,340 | -$64 | -4.6% |
| Rhode Island | $1,872 | $468 | 33.3% |
| South Carolina | $1,272 | -$132 | -9.4% |
| South Dakota | $1,184 | -$220 | -15.7% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,694 | $290 | 20.7% |
| Utah | $1,040 | -$364 | -25.9% |
| Vermont | $960 | -$444 | -31.6% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,084 | -$320 | -22.8% |
| West Virginia | $1,286 | -$118 | -8.4% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
Choosing high deductibles could cut rates by as much as $540 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac CTS AWD | $1,370 | $114 |
| Cadillac CTS | $1,370 | $114 |
| Cadillac CTS Luxury AWD | $1,404 | $117 |
| Cadillac CTS Performance AWD | $1,404 | $117 |
| Cadillac CTS Luxury | $1,404 | $117 |
| Cadillac CTS Performance | $1,404 | $117 |
| Cadillac CTS Sport | $1,404 | $117 |
| Cadillac CTS Premium | $1,440 | $120 |
| Cadillac CTS Premium AWD | $1,476 | $123 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS | $282 | $564 | $442 | $1,446 |
| 2018 Cadillac CTS | $270 | $524 | $452 | $1,404 |
| 2017 Cadillac CTS | $260 | $494 | $456 | $1,368 |
| 2016 Cadillac CTS | $248 | $442 | $460 | $1,308 |
| 2015 Cadillac CTS | $232 | $408 | $460 | $1,258 |
| 2014 Cadillac CTS | $224 | $382 | $464 | $1,228 |
| 2013 Cadillac CTS | $220 | $356 | $474 | $1,208 |
| 2012 Cadillac CTS | $202 | $330 | $474 | $1,164 |
| 2011 Cadillac CTS | $198 | $300 | $478 | $1,134 |
| 2010 Cadillac CTS | $184 | $274 | $474 | $1,090 |
| 2009 Cadillac CTS | $174 | $250 | $474 | $1,056 |
| 2008 Cadillac CTS | $168 | $224 | $468 | $1,018 |
| 2007 Cadillac CTS | $166 | $218 | $460 | $1,002 |
| 2006 Cadillac CTS | $162 | $208 | $452 | $980 |
| 2005 Cadillac CTS | $148 | $198 | $446 | $950 |
| 2004 Cadillac CTS | $144 | $188 | $442 | $932 |
Rates are averaged for all Cadillac CTS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cadillac CTS Insurance
Saving money on insurance for a Cadillac CTS requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a brief recap of the data touched on in this article.
- Insureds who purchase more liability coverage will pay about $500 every year to increase from a minimum limit to the 250/500 level
- You may be able to save around $170 per year simply by quoting online in advance
- Increasing deductibles can save approximately $525 each year
- Teen drivers are the costliest to insure, with premiums as much as $445 per month if comprehensive and collision insurance is included
The best way to save on Cadillac CTS costs is to shop around for quotes. It can help you find the best rates for your model year, from how much does a 2010 Cadillac CTS cost to 2014 Cadillac insurance rates.
Enter your ZIP code in our free rate comparison tool below to find the best Cadillac CTS insurance costs.
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What are the safety ratings of the Cadillac CTS?
Do the Cadillac CTS have a lot of problems? Is the Cadillac CTS a reliable car? These are the questions insurers will ask when they look at Cadillac CTS safety ratings and features. The Cadillac CTS does have some great standard safety features, such as teen driver settings (set speed and audio), rear parking sensors, and a rearview camera.
Take a look below at the Insurance Institute for Highway Safety’s (IIHS) crash test ratings of the Cadillac CTS.
- Small overlap front (driver-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below demonstrates one of the IIHS’s crash tests.
Cadillac CTS Compared Against Other Vehicles in the Same Class
The Cadillac CTS is a large luxury car, which usually have higher liability rates. However, the IIHS found that the Cadillac CTS’s liability losses are better than average, so rates should be lower than other large luxury cars’ rates.
View the list of other large luxury cars below to see how their rates compare to the Cadillac CTS.
Ready to find the best insurance price for a Cadillac CTS? Enter your ZIP code in our free tool to see how much does a Cadillac CTS cost to insure in your area.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,338 |
| 20 | $3,262 |
| 30 | $1,460 |
| 40 | $1,404 |
| 50 | $1,284 |
| 60 | $1,260 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,756 |
| $250 | $1,592 |
| $500 | $1,404 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,566 |
| 100/300 | $1,679 |
| 250/500 | $1,973 |
| 100 CSL | $1,612 |
| 300 CSL | $1,860 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,614 |
| 20 | $5,202 |
| 30 | $3,116 |
| 40 | $3,056 |
| 50 | $2,920 |
| 60 | $2,894 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $76 |
| Homeowner | $22 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $602 |
Discounts are estimated and may not be available from every company or in every state.
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